Network cache of device input for redundancy during device inoperability

ABSTRACT

There are provided systems and methods for a network cache of device input for redundancy during device inoperability. A device may detect that the device is in danger of failure, for example, if a battery is low on the device, the device is damaged, or the device may lose network connectivity. On detection of such a condition, the device may request that a server that performs electronic transaction processing establish or trigger a mode that allows for caching of transaction data as input for the transaction data is entered to a device, which may be done by sending signaling to the server indicating the condition that affects the device&#39;s operability. The server may then cache input for the transaction data. If the device fails prior to approving and completing electronic transaction processing, the server may use the cached data to generate a digital ledger for another entity.

TECHNICAL FIELD

The present application generally relates to electronic data storage,and more specifically to using a network cache to complete dataprocessing in the event of device inoperability.

BACKGROUND

Users may utilize various mobile computing devices, such as tabletcomputers, mobile smart phones, and wearable computing devices, toperform computing functions. For example, users may wish to performpayment processes using mobile devices, which may include electronictransaction processing for purchase with merchants and/or transfers toother users at virtually any location. However, computing devices, andespecially mobile devices that utilize batteries and require cellularsignaling, may become at risk of failure or lack of networkconnectivity. For example, heavy use of a mobile device may drain abattery so that the device may fail during electronic transactionprocessing. Certain locations may also have low or no signal strength,making connectivity with other devices and servers difficult or slow.When such situations occur, the users may be left without devicefunctionality, and thus be prevented of use of their device to continueutilizing processes and applications on the device. Moreover, issues incommunicating data with a remote device/server may cause repeated entryof data and use of a process, thereby potentially causing multipletransaction processes.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a block diagram of a networked system suitable forimplementing the processes described herein, according to an embodiment;

FIG. 2 is an exemplary environment displaying communication deviceinterfaces prior to and after device inoperability to provide a networkcache with transaction data, according to an embodiment;

FIG. 3 is an exemplary system environment for communication device andserver provider processes to generate a network cache and digital ledgerto complete electronic transaction processing in the event of devicefailure, according to an embodiment;

FIG. 4 is an exemplary process flowchart for a network cache of deviceinput for redundancy during device inoperability, according to anembodiment; and

FIG. 5 is a block diagram of a computer system suitable for implementingone or more components in FIG. 1, according to an embodiment.

Embodiments of the present disclosure and their advantages are bestunderstood by referring to the detailed description that follows. Itshould be appreciated that like reference numerals are used to identifylike elements illustrated in one or more of the figures, whereinshowings therein are for purposes of illustrating embodiments of thepresent disclosure and not for purposes of limiting the same.

DETAILED DESCRIPTION

Provided are methods utilized for a network cache of device input forredundancy during device inoperability. Systems suitable for practicingmethods of the present disclosure are also provided.

A communication device may be utilized by a user to perform variouselectronic transaction processing processes, including shopping,purchase, user transfers, and other user or merchant transactions. Thecommunication device may therefore include one or more softwareprocesses to perform the aforementioned actions, which may be includedwith one or more applications executing on the communication device.Such software processes may be utilized through the hardware features ofthe communication device, such as a hardware processor, device displayand other output devices, network access components, input devices, etc.These components may be used to conduct network communications with aserver, for example, a service provider or online transaction processorthat provides the electronic transaction processing processes.Additionally, the communication device may include additional hardwarefeatures that allow execution of the processes, such as a battery orother finite power source, until they become depleted and cause thedevice to become inoperable. The communication device may includevarious hardware and software features related to these components.

During use of the communication device, a pending or upcoming conditionof inoperability and/or failure of the communication device may bedetected. For example, the communication device and/or a serviceprovider may determine the pending, upcoming, future, or predictedconditions, which have yet to happen to the communication device, whichmay cause failure of the communication device and/or cause thecommunication device to no longer be capable of network communicationswith the online service provider. A condition may correspond to a risklevel associated with network connectivity loss due to lack of signalstrength available at a location and/or power level (e.g., a low powerstate) of the communication. The condition may correspond toinoperability or failure of the device at some future time. The futuretime may be imminent (e.g., within the next few seconds or minutes), maybe at a specific future time (e.g., a 10 AM local time), or may bewithin a longer timeframe but prior to the user finishing the currentprocesses the user is utilizing on the device (e.g., failure of thedevice prior to the user finishing a payment or transfer process withanother entity).

The condition affecting operation or causing failure of thecommunication device may correspond to a hardware and/or softwarefailure. For example, the condition may be one or more of the following:low battery, no communication signal or low communication signal,structural or hardware damage, software damage or corruption (e.g.,malware, a virus, etc.), a software update for the communication devicethat may affect the current application or processes executing on thecommunication device, a firmware update, a hardware update orreplacement, other types of updates that may require the communicationdevice to power off or restart, lack of memory storage to perform and/orcomplete computing processes, and/or an application corruption of anapplication executing on the communication device. Other or differentconditions may also be detected that may affect use of the communicationdevice and/or failure of the communication device. In variousembodiments, the detection of the condition may be performed by aprocess executing on the communication device, and may be communicatedto the service provider or transaction processor, for example, throughone or more communication signals that include data of the inoperabilitycondition. However, in further embodiments, a server or other device,such as a service provider's server may instead query the device fordata and determine the condition.

On detection of the condition indicating a predicted non-operation orfailure of the communication device or loss of communication signalingbetween the device and the service provider, the communication deviceand/or service provider server may activate a mode associated with theservice provider to provide redundancy for electronic transactionprocessing by the service provider where the communication device andthe server provider are no longer able to communicate. The mode maycorrespond to a low power mode or transition mode, where the serviceprovider establishes or triggers a state for the device that beginscaching data as it is input into an application to store the data incase of device failure or lack of communications with the device. Themode may be activated for an account of the user with the serviceprovider, which may correspond to the account used by the device withthe application to perform electronic transaction processing with theservice provider. The mode may be established based on the condition ofthe device, and may be opted-in to by the user with the account, or maybe automatically established by the service provider with the account toprovide redundancy. Thus, in certain embodiments, the user may alsoopt-out or turn off the mode so that the mode is not available. The usermay also establish certain preferences for use of the option, such asonly at specific times or at specific locations.

The service provider may then begin caching data input to an applicationon the communication device as the data is input to the application forelectronic transaction processing, such as a payment to another user ormerchant or a data transfer by the user associated with thecommunication device to the other user. The service provider may cachetransaction data and other input, as well as one or more processescurrently executing on the communication device, such as those processeswith the application used for electronic transaction processing. Theprocess(es) executing on the communication device may correspond tocurrent processes that the user is utilizing, for example, if the usercurrently has the application open and is processing data, receivingoutput, and/or providing input to the application, such as transactiondata for a transaction. Thus, the process(es) may correspond to one ormore applications currently executing on the communication device.Determination of the process(es) may also correspond to the currentprocess or application data, such as the input by the user to theprocess/application, processed or processing data, communications andnetwork data transfers, and/or application output. For example, if theuser is currently in a checkout and payment process with a merchant, thecurrent website/webpage and/or application interface, as well as thetransaction and payment data may be determined. The process(es) andprocess/application data may be stored on the communication device, aswell as communicated to the service provider's server for storage in thedata cache based on the mode.

Based on the activated mode, the service provider may keep the data inthe cache, or other short or long term memory including a non-volatilememory that may more permanently store the data. The data in the cachemay be refreshed and new data may be stored in the cache as data isreceived by the service provider from the communication device. The datamay be marked as pending transaction data in the data cache. If thetransaction proceeds to completion prior to the device becoming inactiveor no longer communicating with the service provider, the serviceprovider may delete the data in the cache for the transaction and maymark the transaction as complete. The service provider may clear thetransaction data in the data cache if the service provider completeselectronic transaction processing with the device and the device isstill active and in communication with the service provider. However, ifthe service provider determines that the device is no longer active,such as if the device has become inoperable due to battery power or nolonger has network connectivity, the service provider may proceed toutilize the data cache to successfully complete electronic transactionprocessing for the transaction. The device may be detected as inoperablebased on a signal sent to the device or received from the device, or maybe detected based on a lack of responsive signals to the serviceprovider, for example, if the service provider pings the communicationdevice and does not receive a responsive signal. Thus, if the device isdetected as being inoperable or unable to send and receive communicationsignals, the service provider may mark the pending transaction a pendingor transition pending based on the cached data instead of marking thetransaction as failed. The service provider may not delete thetransaction and transaction data without completing the transaction, andthereby restore the user's account and financial instruments to aprevious state prior to loss of the transaction processing, which may bedone if the transaction is marked as failed. Instead, by marking thetransaction as transition pending, the service provider may proceed withelectronic transaction processing using the cached data.

In certain embodiments, a pending transaction may also be moved tofailed based on a lack of funds in the user's account. For example, theuser may attempt to send $100 when the user does not have sufficientfunds to cover the payment. However, using the transition mode similarto above, the pending transaction may be moved to a successfultransaction by recovering funds in another account, investment, or otherfinancial asset of the user, as discussed herein. The user's account mayinclude or be linked to a stock brokerage account, where the funds maybe provided by selling one or more financial investments to receive theamount. In this manner, the transaction may proceed even in the event oflack of direct funds. The user may establish preferences for this typeof funding, which may be used to determine whether financialinvestments, security, or tool may be used to provide a payment for apotentially failed transaction, and which asset to use (e.g., an orderof investment or asset sale to provide payment for a normally failedtransaction due to lack of funds).

In order to proceed with electronic transaction processing, the serviceprovider may calculate risk in proceeding with the transaction based onthe transaction data and the failed device. The risk assessment or levelmay be determined for how risky the transaction is to complete based onthe transaction data in the data cache, for example, based on incompleteor partial transaction data and/or without user approval andauthorization to proceed with processing the transaction (e.g., when theuser agrees to terms and/or selects an option to proceed withtransaction process). A risk level may indicate the potential fraud inthe transaction and whether there is fraud or risk of loss in proceedingwith the transaction using the data in the cache for the transaction.Risk factors for the risk assessment or risk level may include amount offunds in the account for use in completing the transaction (e.g., ifthere are sufficient funds), a number of reversed or fraudulent pasttransactions including those during device failure, a length of accountownership or since opening, available payment instruments for theaccount, a number or amount of transactions, an amount of thetransaction, a comparison of the amount to past transactions, a locationof the transaction, a time of the transaction, participants in thetransaction and whether there are past connections or transactionsbetween the participants (e.g., if the user of the failed device and thetarget of the transaction are friends or family and known each other),or other factor that may indicate potential risk. If there is anunacceptable level of risk, such as if the risk level exceeds athreshold level or number, then the service provider may not proceedwith the transaction and may mark the transaction as failed, therebyeither deleting the transaction from the data cache or requiring theuser's device to come back online and verify and authorize thetransaction. Thus, transaction processing of a transaction having afailed device may only be available for certain transactions, such ascertain purchases or transfers and/or between certain users ormerchants. The risk level may also be calculated where there is notdevice failure and instead there is a lack of funds in the sending orpayer user, where the lack of funds would normally move a transaction tofailure when being processed. In such embodiments, a risk level for thetransaction may be determined, and a risk in proceeding with thetransaction by selling pledged shares or other assets that may beaccessible and may be used to recover sufficient funds to complete thetransaction. This may occur normally, or may occur in particularsituations, such as a hospital where the user may lack funds for apayment or insurance (e.g., health care) card.

If there is no risk in the transaction or the risk is at an acceptablelevel (e.g., below a threshold amount), the service provider maygenerate a digital ledger based on the risk and the transaction data,where the digital ledger includes an amount from the user's account forthe transaction that was in the transaction data. The risk assessmentmay also be used to determine whether to sell assets, investments, orother securities to recover funds sufficient to fund the digital ledger.The digital ledger may also be generated specifically for an identifier,device, or user identified in the transaction data, where authenticationdata and/or an identifier matching the transaction data may be required.The digital ledger may hold the funds for the transaction in the digitalledger for an amount of time. Thus, the digital ledger may act as ashort term or temporary account that holds the funds in escrow for theother user or merchant identified in the transaction data. Using theidentifier for the merchant/user in the transaction data, themerchant/user may be identified with a device corresponding to themerchant/user, and may be notified of the digital ledger having the heldfunds using the identifier.

The merchant/user may utilize a transaction processing application ofthe service provider to access the digital ledger and withdraw thefunds. The merchant/user may withdraw the funds to complete the purchaseor transfer, which may then be noted in the user's transaction historyand stored with the account for later retrieval and viewing by the userusing the device on reestablishment of functionality or on anotherdevice. Thus, the transaction may be completed using the digital ledgerby providing the funds to the transaction payee or recipient in thetransaction data. As previously discussed, the funds for the digitalledger may also be provided either in the form of stocks or othersecurities, linked or pledged shares of an investment, mutual funds, orother investments. The user may not have funds in their account that arecurrently available. Thus, the service provider may fund the digitalledger using other financial resources of the user, which may be basedon a risk assessment, and may proceed to move the transaction to pendingand/or completed by generating the digital ledger. Thus, the processeddescribed herein to prevent a transaction from failing and moving thetransaction to a transition or transition pending state using a digitalledger may also prevent transactions for an amount over what an accountcurrently has in liquid assets from failing by using a risk assessmentof transaction data to recover sufficient funds from pledged assets,investments, or other financial items.

The online service provider may provide account services to users of theonline service provider, as well as other entities requesting additionalservices, which may be used to process electronic transactions duringdevice failure or inoperability, as discussed herein. A user wishing toestablish the account may first access the online service provider andrequest establishment of an account. The account may be established byproviding account details, such as a login, password (or otherauthentication credential, such as a biometric fingerprint, retinalscan, etc.), and account creation details. The account creation detailsmay include identification information to establish the account, such aspersonal information for a user, business or merchant information for anentity, or other types of identification information including a name,address, and/or other information.

The user may also be required to provide financial information,including payment card (e.g., credit/debit card) information, bankaccount information, gift card information, benefits/incentives, and/orfinancial investments, which may be used to provide funds for a digitalledger. In order to create an account, the user may be required toselect an account name and/or provide authentication credentials, suchas a password, personal identification number (PIN), answers to securityquestions, and/or other authentication information. Once an account iscreated, the account may be accessed through a web browser from awebsite of the service provider and/or a dedicated application of theservice provider, such as a mobile smart phone application. A token maybe issued to the device of the user for their respective personalaccount, where the token may include data (which may be encrypted)allowing the service provider to identify the user and their account andauthenticate the user. Additionally, the online payment provider orother service provider may provide digital wallet services, which mayoffer financial services to send, store, and receive money, processfinancial instruments, and/or provide transaction histories. Theapplication or website of the service provider, such as PayPal® or otheronline payment provider, may provide payments and the other transactionprocessing services.

Once the account is created, the user may utilize the account to conductelectronic transactions through a user computing device. However, asdiscussed above, this typically requires some sort of networkconnectivity between the user device and a computer server. In variousembodiments, after detection of the condition affecting upcomingoperation of the communication device, the communication device mayallow for authentication on a nearby device to perform electronictransaction processing, or may request a nearby device process atransaction with a merchant or another user at the location using thefunds provided in the digital ledger. In order to detect a nearbydevice, the communication device and/or service provider may utilizelocation data (e.g., through a GPS locator) for the communication deviceand other nearby devices. Such location data may be queried from theservice provider or may be retrieved using one or more other processes,including communication with nearby devices. In other embodiments, shortrange wireless communications may be used to determine and query nearby(e.g., within communication range) devices for availability andlocation. Moreover, additional information may further be used to selectone of a plurality of nearby devices to use, including relationships ofusers in possession of the communication device and the nearby device(e.g., friends or family that may know each other), device featuresand/or applications, device type, known or trusted users, securityfeatures, etc. Additionally, the nearby device may also be selectedbased on the applications available on the nearby device, which mayinclude the application(s) required for use and completion of thetransaction with another user or merchant using the funds in the digitalledger. The nearby device may be alerted of the request toauthentication and may display data for the authentication requestand/or the transaction or user requiring the authentication. Where thefunds in the digital ledger are marked to complete another transactionat the location for the nearby device, the transaction processingapplication of the nearby device may be loaded with transactioninformation that allows the transaction to be processed as desired bythe user having the failed or inoperable user device based ontransaction data in the data cache. The user may be required to beauthenticated on the nearby device using the authentication mechanismselected. The nearby device may process the request. Where the nearbydevice is used to complete a transaction when the user of the faileddevice is purchasing an item, the nearby device may load the applicationand provide an interface for the application having the data entered bythe user to the purchase process on the failed device. The nearby devicemay thereby continue the processes of the communication device beingperformed by the communication device when it failed. The nearby devicemay also present other information allowing the other user tocommunicate with the user of the communication device, such as a contactnumber and time until failure of the communication device. Additionally,any data for the other user in the application may be protected from theuser so that the other user's sensitive data is not shown to the userduring use of the nearby device.

The user may also cancel the digital ledger and have the funds returnedto the account of the user. The user may utilize another device toaccess the account of the user with the service provider, and may cancelthe digital ledger through a request within an account managementinterface provided by the service provider. In various embodiments, ifthe digital ledger has been established but the funds have not beenwithdrawn, the funds may be automatically placed back in the account ofthe user. This may be done on expiration of a time period for validityof the digital ledger and/or for the transaction. The funds may also beplaced back in the users account in response to receiving anothertransaction processing request that indicates the user is otherwisetrying to process the transaction (e.g., using another paymentinstrument, such as a credit card) or the user has access to theaccount. The funds may be returned if the user's communication device isagain detected as operable and in communication with the serviceprovider. The user may be notified that the digital ledger is canceledand the funds were returned. Additionally, the transaction participantthat acted as the payee or recipient may also be notified that thedigital ledger is canceled and the funds are no longer available.

In this manner, the service provider may extend the communicationdevice's functionality during time of non-operation by providing aredundancy mechanism that allows for continued electronic transactionprocessing when a device becomes inoperable. The service provider maytherefore cover for times of device inoperability by triggering a modethat causes data caching to store transaction data remotely from thedevice, which insures that device inoperability does not compromiseelectronic transaction processing. Moreover, by utilizing a digitalledger or temporary account only based on a risk assessment, the serviceprovider may further reduce fraud in electronic transaction processingand provide a reversible process that may be specifically configured todevice and account needs during device inoperability.

FIG. 1 is a block diagram of a networked system 100 suitable forimplementing the processes described herein, according to an embodiment.As shown, system 100 may comprise or implement a plurality of devices,servers, and/or software components that operate to perform variousmethodologies in accordance with the described embodiments. Exemplarydevices and servers may include device, stand-alone, andenterprise-class servers, operating an OS such as a MICROSOFT® OS, aUNIX® OS, a LINUX® OS, or other suitable device and/or server based OS.It can be appreciated that the devices and/or servers illustrated inFIG. 1 may be deployed in other ways and that the operations performedand/or the services provided by such devices and/or servers may becombined or separated for a given embodiment and may be performed by agreater number or fewer number of devices and/or servers. One or moredevices and/or servers may be operated and/or maintained by the same ordifferent entities.

System 100 includes a first communication device 110, a secondcommunication device 120, and a service provider server 130 incommunication over a network 150. A first user (not shown) may utilizefirst communication device 110 to request service provider server 130execute and/or complete processes of first communication device 110 inthe event of failure of first communication device 110. Firstcommunication device 110 may detect a condition of future non-operationand/or failure of first communication device 110, and determineelectronic transaction processing data for a pending transaction beingprocessed on first communication device 110 with second communicationdevice 120. The transaction data may be transmitted to service providerserver 130, for example, as a real-time data stream as the data is beinginput. Service provider server 130 may cache the data, and in the eventof system failure may make a digital ledger for second communicationdevice 120 if a risk assessment indicates that the transaction is notrisky. Second communication device 120 may access the digital ledger andwithdraw the funds from service provider server 130.

First communication device 110, second communication device 120, andservice provider server 130 may each include one or more processors,memories, and other appropriate components for executing instructionssuch as program code and/or data stored on one or more computer readablemediums to implement the various applications, data, and steps describedherein. For example, such instructions may be stored in one or morecomputer readable media such as memories or data storage devicesinternal and/or external to various components of system 100, and/oraccessible over network 150.

First communication device 110 may be implemented as a communicationdevice that may utilize appropriate hardware and software configured forwired and/or wireless communication with second communication device 120and/or service provider server 130. For example, in one embodiment,first communication device 110 may be implemented as a personal computer(PC), a smart phone, laptop/tablet computer, wristwatch with appropriatecomputer hardware resources, eyeglasses with appropriate computerhardware (e.g. GOOGLE GLASS®), other type of wearable computing device,implantable communication devices, and/or other types of computingdevices capable of transmitting and/or receiving data, such as an IPAD®from APPLE®. First communication device 110 may correspond to and beutilized by a first user processing a transaction as a payer or senderof funds to a user or merchant associated with second communicationdevice 120. In this regard, first communication device 110 maycorrespond to a failing device or a device predicted to fail or becomenon-operational with respect to a specific process being handled by thedevice, generally a device that may not be able to complete a current orpredicted process or operation of an application for electronictransaction processing. Although a communication device is shown, thecommunication device may be managed or controlled by any suitableprocessing device. Although only one communication device is shown, aplurality of communication devices may function similarly.

First communication device 110 of FIG. 1 contains a transactionprocessing application 112, other applications 114, a database 116, anda communication module 118. Transaction processing application 112 andother applications 114 may correspond to executable processes,procedures, and/or applications with associated hardware. In otherembodiments, first communication device 110 may include additional ordifferent modules having specialized hardware and/or software asrequired.

Transaction processing application 112 may correspond to one or moreprocesses to execute modules and associated devices of firstcommunication device 110 to determine that first communication device110 is failing, will become inoperable, or is in danger of failing orbecoming inoperable during an electronic transaction processingoperation or task with second communication device 120, and transmitdata to service provider server 130 for use in completing the processingwhen first communication device 110 is no longer available forprocessing with service provider server 130. Where a conditionindicating future non-operation or failure of the device is detected,transaction processing application 112 may provide the transaction datato service provider server 130 as the data is input to an interfaceprior to requesting electronic transaction processing, for example, byproviding the data in real-time over a data stream. In this regard,transaction processing application 112 may correspond to specializedhardware and/or software utilized by first communication device 110 tofirst determine that first communication device 110 will fail or becomein-operable, or is susceptible to failure or non-operation. Transactionprocessing application 112 may correspond to a general browserapplication configured to retrieve, present, and communicate informationover the Internet (e.g., utilize resources on the World Wide Web) or aprivate network. For example, transaction processing application 112 mayprovide a web browser, which may send and receive information overnetwork 150, including retrieving website information, presenting thewebsite information to the user, and/or communicating information to thewebsite. However, in other embodiments, transaction processingapplication 112 may include a dedicated application of service providerserver 130 or other entity (e.g., payment provider, etc.), which may beconfigured to provide services through the application.

In this regard, an inoperable condition of first communication device110 may be detected, where the condition indicates a likelihood that thefirst user of first communication device 110 will no longer be able toutilize first communication device 110 in the future (e.g., within a settime frame, such as the next minute, 5 minutes, etc., or within anotherparameter, such as 5% remaining battery, travel to a location with nosignal, etc.). The condition may be one or more of low battery, nocommunication signal or low communication signal, structural or hardwaredamage, software damage or corruption (e.g., malware, a virus, etc.), asoftware update for the communication device that may affect the currentapplication or processes executing on the communication device, afirmware update, a hardware update or replacement, other types ofupdates that may require the communication device to power off orrestart, lack of memory storage, and/or an application corruption of anapplication executing on the communication device. The condition may bedetected using the hardware, operating system, and other processes andapplications of first communication device 110. For example, transactionprocessing application 112 may query one or more processes of firstcommunication device 110 to detect the condition, or may utilize anapplication programming interface (API) of transaction processingapplication 112 to make system calls to various system resources todetermine the condition. Once detected, transaction processingapplication 112 may alert the first user of first communication device110, as well as, in various embodiments, service provider server 130,for example, by sending communications or signals indicating thecondition of inoperability of communication device 110 to serviceprovider server 130. Service provider server 130 may then activate amode to provide electronic transaction processing redundancy andcomplete processing based on transaction risk when first communicationdevice 110 fails, as discussed herein.

Transaction processing application 112 may therefore include processesused to perform electronic transaction processing with secondcommunication device 110 for a payment or a transfer. During processingof a payment or transfer transaction, transaction processing application112 may be utilized to select payment instrument(s) for use in providingpayment for a purchase transaction, transfer, or other financialprocess. As discussed herein, transaction processing application 112 mayutilize user financial information, such as a credit card, bank account,or other financial account, as a payment instrument when providingpayment information. Additionally, transaction processing application112 may utilize a digital wallet stored with an account with a paymentprovider, such as service provider server 130, as the paymentinstrument, for example, through accessing a digital wallet or accountof a user with service provider server 130 through entry ofauthentication credentials and/or by providing a data token that allowsfor processing using the account.

Transaction processing application 112 may utilize a digital token forthe payment account, digital wallet, and/or payment instruments byproviding the digital token to authenticate the user and/or use theuser's payment account, digital wallet, and/or payment instruments,which may be encrypted and/or provided through a secure channel, to atransaction participant to authenticate the account, digital wallet,and/or payment instruments to service provider server 130 and allow fortransaction processing and payment using the account, digital wallet,and/or payment instruments. Selection of a payment instrument may occurprior to, at, or after establishment of the transaction. Transactionprocessing application 112 may also receive additional transaction dataelements, including a recipient (e.g., an identifier associated withsecond communication device 110) and a transaction amount. Once entered,the transaction data may be provided to server provider server 130, suchas in a real-time data stream based on the activated mode for aninoperable condition of first communication device 110. Transactionprocessing application 112 may be utilized to view the results ofpayment, for example, using transaction histories, dispute resolutionprocesses, and other post-transaction process.

In various embodiments, transaction processing application 112 may beutilized to create an account used to process the transaction andestablish the mode allowing for transition state processing ofelectronic transactions where first communication device 110 fails. Inthis regard, transaction processing application 112 may be used to enterone or more payment instruments or other funding sources for storage ina digital wallet associated with a payment account (e.g., stored and/orserviced by service provider server 130), access the digital walletand/or payment account for use, and engage in transaction processingwith another entity. Transaction processing application 112 may providean interface to permit the user to enter input and other data for atransaction, for example, through an input device (e.g., touch screenwith a graphical user interface, keypad/keyboard, mouse, etc.) and/orthrough a data capture device (e.g., scanner, camera, other opticaldevice, etc.). Such information may be stored with service providerserver 130 in a data cache for use with electronic transactionprocessing when first communication device 110 is inaccessible.

Transaction processing application 112 may determine processes currentlyin execution by first communication device 110 at or near the time orcondition of failure/non-operation. For example, transaction processingapplication 112 may determine applications and application processesexecuting for a transaction. Once processes in execution (e.g.,applications and application processes executing on first communicationdevice 110) are detected, transaction processing application 112 mayfurther determine any necessary process and/or application data, such ascurrent data entered into the process, received data for the process,and user input data to the process. The process(es) and associated datamay be stored to service provider server 130. In various embodiments,transaction processing application 112 may continue tracking theprocess(es) and updating the information for the process(es)/data up tothe point of failure/non-operation of first communication device 110.Transaction processing application 112 may also be used to determine anearby device to utilize for completing a transaction and/or enteringauthentication credentials necessary to complete transaction processing.In this regard, transaction processing application 112 may select secondcommunication device 120 as the nearby device. Transaction processingapplication 112 may perform the selection based on received informationfor nearby devices from second communication device 120 and/or serviceprovider server 130. In other embodiments, service provider server 130may select a nearby device, such as second communication device 120,based on information received from first communication device 110 and/orsecond communication device 120. For example, second communicationdevice 120 may be selected as the nearby device to utilize based onreceived geo-locations for first communication device 110 and/or secondcommunication device 120 (e.g., GPS coordinates or locations, addressesor map locations, etc.). In other embodiments, first communicationdevice 110 and second communication device 120 may detect each otherand/or communicate for purposes of device selection and token transferusing short range wireless communications, such as Bluetooth, BluetoothLow Energy, radio, infrared, WiFi, near field communications, LTEDirect, or other short range communication protocol.

In various embodiments, first communication device 110 includes otherapplications 114 as may be desired in particular embodiments to providefeatures to first communication device 110. For example, otherapplications 114 may include security applications for implementingclient-side security features, programmatic client applications forinterfacing with appropriate application programming interfaces (APIs)over network 150, or other types of applications. Other applications 114may also include additional communication applications, such as email,texting, voice, and IM applications that allow a user to send andreceive emails, calls, texts, and other notifications through network150. In various embodiments, other applications 114 may includefinancial applications, such as banking, online payments, moneytransfer, or other applications. Other applications 114 may also includeother location detection applications, such as a mapping, compass,and/or GPS application, which may be used to determine a location forthe user that is communicated to payment provider server 130. Otherapplications may include social networking applications and/or merchantapplications. Other applications 114 may include device interfaces andother display modules that may receive input and/or output information.For example, other applications 114 may contain software programs,executable by a processor, including a graphical user interface (GUI)configured to provide an interface to the user.

First communication device 110 may further include database 116 storedto a transitory and/or non-transitory memory of first communicationdevice 110, which may store various applications and data and beutilized during execution of various modules of first communicationdevice 110. Thus, database 116 may include, for example, identifiers(IDs) such as operating system registry entries, cookies associated withtransaction processing application 112 and/or other applications 114,IDs associated with hardware of first communication device 110, or otherappropriate IDs, such as IDs used for payment/user/device authenticationor identification. Database 116 may include data for conditions offuture non-operation/failure and/or process(es) and associated dataexecuting on first communication device 110 at or nearby the conditionsof failure for processing a transaction, which may be provided toservice provider server 130 prior to and up to the point of failure.

First communication device 110 includes at least one communicationmodule 118 adapted to communicate with second communication device 120and/or service provider server 130. In various embodiments,communication module 118 may include a DSL (e.g., Digital SubscriberLine) modem, a PSTN (Public Switched Telephone Network) modem, anEthernet device, a broadband device, a satellite device and/or variousother types of wired and/or wireless network communication devicesincluding microwave, radio frequency, infrared, Bluetooth, and nearfield communication devices.

Second communication device 120 may be implemented as a communicationdevice that may utilize appropriate hardware and software configured forwired and/or wireless communication with first communication device 110and/or service provider server 130. For example, in one embodiment,second communication device 120 may be implemented as a personalcomputer (PC), a smart phone, laptop/tablet computer, wristwatch withappropriate computer hardware resources, eyeglasses with appropriatecomputer hardware (e.g., GOOGLE GLASS®), other type of wearablecomputing device, implantable communication devices, and/or other typesof computing devices capable of transmitting and/or receiving data, suchas an IPAD® from APPLE®. Second communication device 120 may correspondto and be utilized by a second user, such as a merchant or otherpayee/recipient of funds during electronic transaction processing.Although a communication device is shown, the communication device maybe managed or controlled by any suitable processing device. Althoughonly one communication device is shown, a plurality of communicationdevices may function similarly.

Second communication device 120 of FIG. 1 contains a transactionprocessing application 122, other applications 124, a database 126, anda communication module 138. Transaction processing application 122 andother applications 124 may correspond to executable processes,procedures, and/or applications with associated hardware. In otherembodiments, second communication device 120 may include additional ordifferent modules having specialized hardware and/or software asrequired.

Transaction processing application 122 may correspond to one or moreprocesses to execute modules and associated devices of secondcommunication device 120 to perform electronic transaction processingwith first communication device 110 for a payment or a transfertransaction between users and/or merchants. In this regard, deviceleasing application 132 may correspond to specialized hardware and/orsoftware utilized by second communication device 120 to process anelectronic transaction, which may include electronic transactionprocessing during device failure of first communication device 110 wheresecond communication device 120 is required to access a digital ledgeror temporary account generated by service provider server 130 usingcached transaction data to request a fund withdrawal. Transactionprocessing application 122 may be utilized to create an account used toperform transaction processing including withdrawal of fund. In thisregard, transaction processing application 122 may be used to enter oneor more payment instruments or other funding sources for storage in adigital wallet associated with an account (e.g., stored and/or servicedby service provider server 130), access the digital wallet and/orpayment account for use, and engage in transaction processing withanother entity. Transaction processing application 122 may provide aninterface to permit the user to enter input and other data fortransaction processing, access one or more transaction processingoperations and/or interfaces with service provider server 130 if firstcommunication device 110 fails, and request the withdrawal of an amountof funds in a digital ledger, for example, through an input device(e.g., touch screen with a graphical user interface, keypad/keyboard,mouse, etc.) and/or through a data capture device (e.g., scanner,camera, other optical device, etc.). Such processes may be availablefrom service provider server 130 utilizing the interfaces of transactionprocessing application 122.

The account accessible through transaction processing application 122may be used to initiate, receive, and/or process/complete transactionsusing services provided by service provider server 130. Once transactiondata is received by service provider server 130, service provider server130 may process the data and alert second communication device 120 oftransaction processing results through transaction processingapplication 122. However, if communication device 110 fails, serviceprovider server 130 may generate a digital ledger or temporary accounthaving an amount available for the second user associated with secondcommunication device 120 to withdraw or use, as discussed herein. Secondcommunication device 120 may receive a notification of the availablefunds in the ledger/account, and may be provided with a process towithdraw the funds. Transaction processing application 122 may displaythe notification, and may accept input to request the withdrawal of thefunds. The notification may also include terms of use of the funds,which may also request that transaction processing application 122 usethe funds as a payment for a transaction or a transfer to the seconduser associated with second communication device 110. The notificationmay also include transaction processing instructions and transactiondata for entry to another transaction processing operation by the seconduser with another user or merchant nearby first communication device 110and second communication device 120 to allow for transaction processingwith the other user/merchant when first communication device 110 isinoperable.

Transaction processing application 122 may provide information for apayment account and/or a digital wallet stored with the account torequest the withdrawal of the funds and deposit the funds in theaccount/digital wallet. Service provider server 130 may require entry ofauthentication credentials and/or by providing a data token that allowsfor processing if the funds using the account of the seconduser/merchant associated with second communication device 110.Transaction processing application 122 may utilize a digital token forthe payment account, digital wallet, and/or payment instruments byproviding the digital token to authenticate the user and/or use theuser's payment account, digital wallet, and/or payment instruments,which may be encrypted and/or provided through a secure channel, toservice provider server 130 and allow for transaction processing usingthe account and/or digital wallet. Transaction processing application122 may be utilized to view the results of payment, for example, usingtransaction histories, dispute resolution processes, and otherpost-transaction process. Transaction processing application 122 mayalso receive a notification if a digital ledger is canceled or the fundswithdrawn by the first user associated with first communication device110, for example, through an account access operation and ledgercancellation request.

In various embodiments, second communication device 120 includes otherapplications 124 as may be desired in particular embodiments to providefeatures to second communication device 120. For example, otherapplications 124 may include security applications for implementingclient-side security features, programmatic client applications forinterfacing with appropriate application programming interfaces (APIs)over network 150, or other types of applications. Other applications 124may also include additional communication applications, such as email,texting, voice and IM applications that allow a user to send and receiveemails, calls, texts, and other notifications through network 150. Invarious embodiments, other applications 124 may include financialapplications, such as banking, online payments, money transfer, or otherapplications. Other applications 124 may also include other locationdetection applications, such as a mapping, compass, and/or GPSapplication, which may be used to determine a location for the user thatis communicated to payment provider server 130. Other applications mayinclude social networking applications and/or merchant applications.Other applications 124 may include device interfaces and other displaymodules that may receive input and/or output information. For example,other applications 124 may contain software programs, executable by aprocessor, including a graphical user interface (GUI) configured toprovide an interface to the user.

Second communication device 120 may further include database 126 storedon a transitory and/or non-transitory memory of second communicationdevice 120, which may store various applications and data and beutilized during execution of various modules of second communicationdevice 120. Database 126 may include, for example, identifiers (IDs)such as operating system registry entries, cookies associated withtransaction processing application 122 and/or other applications 124,IDs associated with hardware of second communication device 120, orother appropriate IDs, such as IDs used for payment/user/deviceauthentication or identification. Database 126 may include a receivednotification of an available funded amount in an account for withdrawalby second communication device 120.

Second communication device 120 includes at least one communicationmodule 138 adapted to communicate with first communication device 110and/or service provider server 130. In various embodiments,communication module 138 may include a DSL (e.g., Digital SubscriberLine) modem, a PSTN (Public Switched Telephone Network) modem, anEthernet device, a broadband device, a satellite device and/or variousother types of wired and/or wireless network communication devicesincluding microwave, radio frequency, infrared, Bluetooth, and nearfield communication devices.

Service provider server 130 may be maintained, for example, by an onlineservice provider, which may provide leased device services for the firstuser associated with first communication device 110 and the second userassociated with second communication device 120. In this regard, serviceprovider server 130 includes one or more processing applications whichmay be configured to interact with first communication device 110,second communication device 120, and/or another device/server tofacilitate leasing of devices. In one example, service provider server130 may be provided by PAYPAL®, Inc. of San Jose, Calif., USA. However,in other embodiments, service provider server 130 may be maintained byor include a financial service provider, social networking service,email or messaging service, media sharing service, and/or other serviceprovider, which may provide electronic processing services, for example,through the use of an application and/or account.

Service provider server 130 of FIG. 1 includes a device operationsmonitoring application 140, a transition account application 132, otherapplications 134, a database 136, and a network interface component 138.Device operations monitoring application 140, transition accountapplication 132, and other applications 134 may correspond to executableprocesses, procedures, and/or applications with associated hardware. Inother embodiments, service provider server 130 may include additional ordifferent modules having specialized hardware and/or software asrequired.

Device operations monitoring application 140 may correspond to one ormore processes to execute modules and associated specialized hardware ofservice provider server 130 to monitor first communication device 110 inthe event of a predicted failure or other non-operation of firstcommunication device 110 and determine whether a transition mode orother mode for a non-operational device may be required to be activated,as well as if first communication device 110 has become inoperable. Notethat failure, non-operation, inoperability, or similar descriptions ofthe communication device generally refers to the communication devicebeing unable to perform or complete an action or process currently beingperformed by the communication device at a future time and does notrequire the device to fail completely, which may include signal loss orunresponsive communications with first communication device 110. In thisregard, device operations monitoring application 140 may correspond tospecialized hardware and/or software to perform one or more of theprocesses described in references to transaction processing application112 of first communication device 110 to receive signaling of aninoperable condition and determine if and when first communicationdevice 110 has failed.

Device operations monitoring application 140 may be used for detectionof a condition of future failure/non-operation of first communicationdevice 110, determination of process data in use on first communicationdevice 110 during electronic transaction processing, cache the data aspending transaction data, and detect if/when first communication device110 has failed. On detection of the condition, such as through signalingreceived by first communication device 110, device operations monitoringapplication 140 may activate the mode to being caching the pendingtransaction data as the data is entered and received during transactionprocessing. If the transaction proceeds to completion without failure offirst communication device 110, device operations monitoring application140 may mark the transaction as complete and delete the data in thecache. However, if device operations monitoring application 140 detectsthat first communication device 110 has failed, device operationsmonitoring application 140 may utilize transition account application132 to determine transaction risk in generating a transition account orledger with funds from the users account and allow for withdrawalthrough second communication device 110.

Transition account application 132 may correspond to one or moreprocesses to execute modules and associated specialized hardware ofservice provider server 130 to receive transaction data for atransaction having a failed device prior to authorization and approvalof transaction processing, determine a risk of proceeding with thetransaction through a transition mode and digital ledger having fundsfrom the payer/sender's account in the transaction, and generate thedigital ledger if the risk is below a threshold or at an acceptablelevel to proceed using the digital ledger. In this regard, transitionaccount application 132 may correspond to specialized hardware and/orsoftware to establish a digital ledger or temporary account in responseto a determination that a risk level of proceeding with the transactionand creating the digital ledger is below a required threshold or at anacceptable level. The risk level may indicate potential fraud in thetransaction data and with proceeding with the transaction, and maymeasure risk or loss associated with proceeding with the transaction.The risk level may therefore correspond to a fraud assessment determinedusing one or more of amount of funds in the account for use incompleting the transaction (e.g., if there are sufficient funds), anumber of reversed or fraudulent past transactions including thoseduring device failure, a length of account ownership or since opening,available payment instruments for the account, a number or amount oftransactions, an amount of the transaction, a comparison of the amountto past transactions, a location of the transaction, a time of thetransaction, participants in the transaction and whether there are pastconnections or transactions between the participants (e.g., if the userof the failed device and the target of the transaction are friends orfamily and known each other), or other factor that may indicatepotential risk.

Transition account application 132 may generate the digital ledger inresponse to calculating the risk if there is no risk or an acceptablelevel or risk. Transition account application 132 may generate thedigital ledger and fund the ledger with an amount in the transactiondata. The digital ledger may be made specifically available using anidentifier for the transaction recipient/payee in the transaction data,which may also be used to send a notification to second communicationdevice 120. Transition account application 132 may be used to provide apayment to the second user associated with second communication device120, including payment for a previously pending transaction that did notproceed to approval and authorization based on failure of firstcommunication device 110. Transition account application 132 may processthe payment by making the funds available in the digital ledger forwithdrawal and transmitting a notification to second communicationdevice 120 that allows second communication device 120 to withdraw thefunds. The digital ledger may be canceled by the first user throughaccessing an account and process with service provider server 130, ormay be canceled after a certain amount of time or detecting that firstcommunication device 110 is again operable. The digital ledger may beaccessed and/or used through a browser application and/or dedicatedpayment application executed by first communication device 110. In orderto authenticate an identity of the second user/merchant for use andwithdrawal of funds in the digital ledger, transition accountapplication 132 may authenticate the user for use of the account and/oridentity through received identifiers for an account used to withdrawthe funds. Transition account application 132 may debit an account ofthe first user and provide the payment to the digital ledger, which maybe withdrawn an account of the second user/merchant. Transition accountapplication 132 may also be used to provide transaction histories forprocessed transactions and withdrawals.

In various embodiments, service provider server 130 includes otherapplications 134 as may be desired in particular embodiments to providefeatures to payment provider server 150. For example, other applications134 may include security applications for implementing server-sidesecurity features, programmatic client applications for interfacing withappropriate application programming interfaces (APIs) over network 150,or other types of applications. Other applications 134 may containsoftware programs, executable by a processor, including a graphical userinterface (GUI), configured to provide an interface to the user whenaccessing payment provider server 134. In various embodiments where notprovided by transition account application 132, other applications 134may include connection and/or communication applications, which may beutilized to transmit communications to one or more devices.

Additionally, service provider server 130 includes database 136.Accounts in database 136 may include entity information, such as name,address, birthdate, payment/funding information, additional userfinancial information, and/or other desired user data. The entity maylink to their respective accounts through an account, user, merchant,and/or device ID, as well as a generated token, which may be provided tosecond communication device 120 for use. Thus, when an ID is transmittedto service provider server 130, e.g., from first communication device110, an account belonging to the entity may be found. Database 136 mayalso include or be associated with a data cache, which may be used tostore transaction data based on a detected inoperable condition thatactivates an account mode to cache data in the event of device failure.

In various embodiments, service provider server 130 includes at leastone network interface component 138 adapted to communicate with firstcommunication device 110 and/or second communication device 120 overnetwork 150. In various embodiments, network interface component 138 maycomprise a DSL (e.g., Digital Subscriber Line) modem, a PSTN (PublicSwitched Telephone Network) modem, an Ethernet device, a broadbanddevice, a satellite device and/or various other types of wired and/orwireless network communication devices including microwave, radiofrequency (RF), and infrared (IR) communication devices.

Network 150 may be implemented as a single network or a combination ofmultiple networks. For example, in various embodiments, network 150 mayinclude the Internet or one or more intranets, landline networks,wireless networks, and/or other appropriate types of networks. Thus,network 150 may correspond to small scale communication networks, suchas a private or local area network, or a larger scale network, such as awide area network or the Internet, accessible by the various componentsof system 100.

FIG. 2 is an exemplary environment displaying communication deviceinterfaces prior to and after device inoperability to provide a networkcache with transaction data, according to an embodiment. Environment 200of FIG. 2 includes an interface 1000 of first communication device 110discussed in reference to system 100 of FIG. 1. In this regard, firstcommunication device 110 may display one or more interfaces of a payer'sor sender's device prior to failure after detecting a condition offuture non-operation and after failure. Additionally, environment 200includes second communication device 120 and a service provider server130 discussed in reference to system 100 of FIG. 1.

Interface 1000 of environment 200 includes an interface form for entryof transaction data, shown as a recipient identifier 1002 and an amount1004. First communication device 110 may detect a condition of futurenon-operation or failure, which may be caused by one or more hardwareelements, software processes, and/or communication signals of firstcommunication device 110. In response to this condition, firstcommunication device 110 may send a signal to service provider server130 of the condition and the potential for first communication device110 to become non-operational prior to completing the transaction withininterface 100. Recipient identifier 1002 and amount 1004 may becommunicated to the service provider server 130 prior to device failure.In the event that the user using first communication device 110 isunable to select an option to authorize and complete electronictransaction processing for amount 1004 to recipient identifier 1002,service provider server 130 may use the data for recipient identifier1002 and amount 1004 stored on a data cache to complete the transactionthrough generation of a digital ledger. For example, a payer userassociated with first communication device 110 may attempt to remit orpay a payee user associated with second communication device 120. Atleast the payer may have a transition mode enabled for the payer'saccount and/or first communication device 110, which may also berequired by the payee with second communication device 120 and thepayee's account in certain embodiments. Thus, when first communicationdevice 110 is at a low threshold, the transition mode may be enabled forfirst communication device 110.

As first communication device 110 proceeds to becoming inoperable, suchas based on a lack of battery power, dead screen interface 1100 may notallow the user of first communication device 110 to request completionof the transaction for amount 1004 to recipient identifier 1002. Deadscreen interface 1100 may correspond to an off output display, such asno current output data, that occurs in response to first communicationdevice 110 becoming non-operational. For example, as the payer userattempts to hit send, first communication device 110 may turn off due tolack of power. Although dead screen interface 1100 is shown as blackedout, such as in a no-power state or due to device damage/softwarecorruption, first communication device 110 may also be unable to processthe transaction based on a lack of communication signals, whereinterface 1000 may still be displayed but network processing may beunable to be completed due to the lack of network signaling. Serviceprovider server 130 may then use data cache 1200 to process storedtransaction data. Transaction data in data cache 1200 may be processedusing a risk engine 1300, which may be used to determine whether toproceed with generating a digital ledger based on a risk of potentialfraud in completing the transaction using the transaction data withoutapproval by the user on first communication device 110. The risk may bebased on account and transaction factors for the transaction data indata cache 1200. For example, the risk assessment may determine that thetransaction failed but due to a non-risk reason, namely that firstcommunication device 110 failed for probable lack of battery power.

If service provider server 130 determines that the risk level isacceptable to proceed with the transaction using the transaction data indata cache 1200 with risk engine 1300, service provider server 130 maygenerate a digital ledger for recipient identifier 1002 having funds foramount 1004 in the digital ledger that may be withdrawn by the recipientfor recipient identifier 1002. Service provider server 130 may use thedetermination that the transaction failed for non-risk reasons totrigger a notification to second communication device 120 of theavailable funds in a temporary digital ledger or account, and that thepayee user is required to withdraw in the next 24 hours or other timeperiod established for the digital ledger. Service provider server 130may at the same time generate the digital ledger and move funds from thepayer's account to the digital ledger.

In this regard, second communication device 120 may receive a pushnotification 1400 for the digital ledger, which alerts the recipient ofa message 1402 indicating the digital ledger is available and therecipient may pull the funds. The notification may be triggered due tothe risk assessment that determined the transaction failed for anon-risk reason. Second communication device 120 may also receive othernotification data, including in-application messages, text messages,email, or other data. The notification may alert the payee of the timeto withdraw the funds, and may allow the funds to be released to thepayee's account. Second communication device 120 may also not receive anotification, and may only be allowed to navigate to an interface toview the digital ledger and withdraw the funds if the payee userassociated with second communication device 120 knows of the transactionand is informed by the other payer user associated with firstcommunication device 110 informs the user of the potential for funds tobe held in a digital ledger. Second communication device 120 may alsorequire the transition mode to be enabled for the payee's account and/orsecond communication device 120 to receive a notification or alert ofthe digital ledger and funds, as well as provide access to the digitalledger and allow withdrawal. Second communication device may receive analert or notification of pending funds, which may also be populated as amessage (e.g., email, text, etc.), a badge or application iconnotification, an in-application message or push notification, or otherdata. Second communication device 120 may then be used for a process towithdraw the funds.

FIG. 3 is an exemplary system environment for communication device andserver provider processes to generate a network cache and digital ledgerto complete electronic transaction processing in the event of devicefailure, according to an embodiment. Environment 300 of FIG. 3 includesa first communication device 110, a second communication device 120, anda service provider server 130 corresponding generally to the describeddevices and associated features found in system 100 of FIG. 1.

In environment 300, first communication device 110, second communicationdevice 110, and service provider server may execute modules andprocesses described in reference to FIG. 1. In this regard, firstcommunication device 110 is utilized by a user A 102, where user A 102begins the process by entering payment information at step 1, where thepayment information corresponds to “$100.” User A 102 may also enter anidentifier for a user B 104 and/or second communication device 120 thatis the recipient of the funds in the transaction. At step 2, user A 102may then use first communication device 110 to tap on a “submit” or a“pay” option on a final page or interface for a transaction processingrequest. This may occur at a time X. First communication device 110 maybegin to prepare to shut off at the same time X due to an issue withoperations or device resources, such as a low battery condition, at step3. Due to this condition and prior to user A 102 being able to completethe transaction and submit the transaction data for approval, such as bytapping on submit, the issue causing inoperability of firstcommunication device 110 may cause shutdown. Thus, at step 4, thetransaction data is transmitted to a caching component of serviceprovider server 130.

Service provider server 130 includes a caching server 2000, a transitionprocess 2100, and a risk engine 2200. At step 5, caching server 2000 ofservice provider server 1300 receives the transaction data prior tocompletion of the transaction process, and stores the data. A cyclicalprocess may be executed at steps 6-9 where the stored transaction datais continuously monitored for risk to determine whether transitionprocess 2100 for a transition mode may use a digital ledger during thefailure of first communication device 100 to finish transactionprocessing. At step 6, transition process 2100 marks the data in cachingserver 2000 as “pending” or in a transition mode.

Risk engine 2200 may then be executed at step 7 using the data tovalidate the transaction data in caching server 2000 and determinewhether any or an acceptable level of risk is present. Risk assessmentmay proceed by utilizing risk factors present in the transaction, suchas an account balance, time of transaction request, previous fraudassessments and/or fraud determinations (e.g., fraudulent transactions)by one or more parties in the transaction, location of transaction,relationship between user A 102 and user B 104, and other data. The riskassessment may calculate a risk level, amount, or other quantifier basedon these factors. If the risk assessment is below a threshold level suchthat the transaction is deemed to be “not risky” or does not haveapparent risk, then the transaction mat proceed. Thus, at step 8, if noor an acceptable level of risk is found, then the transaction data incaching server 2000 may continue to be stored and may be made availableto transition process 2100 to provide an amount in the transaction datato a digital ledger available for the identifier in the transactiondata. However, if risk or an unacceptable level of risk is found, thedata may be taken out of the cyclical process and may be dropped fromcaching server 2000 and marked as failed for a transaction.

Based on the failure of first communication device 110, transitionprocess 2100 may make funds available in a digital ledger if no risk oran acceptable level of risk is found at step 8, and at step 9 may notifyuser B 104 of the available funds to pull from the cached data using thedigital ledger. Second communication device 120 is utilized by user B104 to view the digital ledger and withdraw funds at step 10 byexercising the option to pull the funds. Second communication device 120may then communicate with service provider server 130 to process thetransaction to pull the funds from the digital ledger at step 11, whichmay include requesting the funds to be withdrawn from the digital ledgerand placed in an account of user B 104. At step 11, additionalauthentication may also be performed on second communication device 120,including authentication of user B 104 for withdrawal of funds and useof a deposit account. In certain embodiments where user A 102 may beperforming an in-store payment to user B 104, the authentication mayalso be performed for user A 102 to authenticate and identify user A 102on second communication device 110. At step 12, caching server 2000 mayrelease the held funds and may move the money to user B 104's account.The transaction may also be transitioned from “pending” to “processed”or “completed” at step 12. Second communication device 120 may thendisplay the results of transaction processing as a completed transitionat step 13, and user B 104 may be paid the $100 at step 14.

FIG. 4 is an exemplary process flowchart for a network cache of deviceinput for redundancy during device inoperability, according to anembodiment. Note that one or more steps, processes, and methodsdescribed herein may be omitted, performed in a different sequence, orcombined as desired or appropriate.

At step 402 of flowchart 400, a transition mode for an account isactivated based on a risk level of the network connectivity loss,wherein the transition mode caches transaction data received prior toelectronic transaction processing during the network connectivity loss.Prior to activating the transition mode, the risk level of networkconnectivity loss for a first device of a first user using the accountmay be determined based on current data for the first device. Theaccount may also be determined using an identifier for the device.Determining the risk level of network connectivity loss may comprisedetermining that the first device is not or will not be operationalbased on communications sent and/or received from the first device, suchas one of receiving a first communication that the first device will notbe operational that is communicated prior to the first device becomingnon-operational or sent communications that determine that the firstdevice is not responsive to the sent communications transmitted to thefirst device.

A portion of the transaction data required for the electronictransaction processing may be received from the first device, at step404 of flowchart 400. At step 406 of flowchart 400, the transaction datamay be cached in a data cache during the electronic transactionprocessing through the transition mode. Caching the data may beperformed in response to a process request in the transition mode tocache the transaction data or any other incomplete transactionprocessing request based on the power state of the first device beingbelow the predetermined power level, and wherein the transaction data isstored with a predicted time of the device power loss. When caching thedata, risk assessment may also be executed on the transaction data. Forexample, the transaction data may include a first geo-location of thefirst device, where it may be determined that a second geo-location forthe second device in the transaction data is within a first proximityrange of the first geo-location associated with a risk assessmentfactor. The transaction data may also further comprise at least one of aface identification, a fingerprint, an account authenticationcredential, a transaction geo-location, or a transaction time. Thetransaction data may also only be cached based on a risk assessmentprocess performed on the transaction data. The risk assessment processmay use at least one of available funds in the account used by the firstdevice, a past transaction by the account, a geo-location of the firstdevice, a time of the inoperable condition or other data that causes therisk of network connectivity loss, or a social connection between thefirst user for the first device and the second user for the seconddevice when determining whether the transaction data indicates potentialfraud in use of the amount in the transaction data.

At step 408 of flowchart 400, in response to determining that the firstdevice has lost network connectivity during the electronic transactionprocessing, a temporary account for an amount in the transaction data isgenerated using the data cache. The amount in the temporary account mayonly be valid for a certain amount of time, after which a remainingamount of the amount may be transferred back to the user's account fromthe temporary account. Determining that the first device has lostnetwork connectivity may comprise one of receiving a first signal thatthe first device will shut down, receiving a second signal that thefirst device will lose battery power, or determining that the firstdevice is unresponsive through a third signal to the first device. Thetemporary account may correspond to a digital ledger established for atransaction associated with the transaction data, where the amount isadded to the digital ledger using the account. A notification of theamount available in the temporary account/ledger may be communicated toa second user through an identifier in the transaction data, and inresponse to receiving a request to withdraw the amount from theaccount/ledger and deposit the amount to a second account of the seconduser, the transaction amount may be transferred to the second account.Moreover, when the request for a withdrawal of the amount from thetemporary account or digital ledger is received, identification data maybe requested. In response to processing the withdrawal, theidentification data for the withdrawal may be stored with theaccount/ledger or in the account of the user. An authenticationcredential may also be requested, which may be required to beauthenticated for the second user prior to the transfer.

After generating the temporary account, a login request to the accountthrough a second device may be received, as well as a cancellationrequest of the temporary account. The amount may be provided back to theaccount. In other embodiments where the temporary account is notcanceled, a second device of a second user may be communicated with toperform a transaction with a third device using the amount in thetemporary account, wherein the third device is identified in thetransaction data. The transaction with the third device may be processedusing the temporary account, for example, in response to receiving atransaction processing request from the second device. A firstgeo-location of the first device may be determined using the transactiondata, and it may be determined that a second geo-location for the seconddevice matches the first geo-location, wherein the first user providesauthentication credentials for the transaction on the second device.Moreover, prior to communicating with the second device, social contactsof the first user may be accessed and it may be determined that thesecond user is a known contact of the first user using the socialcontacts.

As such, electronic transaction conducted through mobile computingdevices may be completed even when the computing device initiating orcurrently processing the transaction becomes inoperable, such as due topower failure, network connectivity, or software/hardware issues withinthe computing device.

FIG. 5 is a block diagram of a computer system suitable for implementingone or more components in FIG. 1, according to an embodiment. In variousembodiments, the communication device may comprise a personal computingdevice (e.g., smart phone, a computing tablet, a personal computer,laptop, a wearable computing device such as glasses or a watch,Bluetooth device, key FOB, badge, etc.) capable of communicating withthe network. The service provider may utilize a network computing device(e.g., a network server) capable of communicating with the network. Itshould be appreciated that each of the devices utilized by users andservice providers may be implemented as computer system 500 in a manneras follows.

Computer system 500 includes a bus 502 or other communication mechanismfor communicating information data, signals, and information betweenvarious components of computer system 500. Components include aninput/output (I/O) component 504 that processes a user action, such asselecting keys from a keypad/keyboard, selecting one or more buttons,image, or links, and/or moving one or more images, etc., and sends acorresponding signal to bus 502. I/O component 504 may also include anoutput component, such as a display 511 and a cursor control 513 (suchas a keyboard, keypad, mouse, etc.). An optional audio input/outputcomponent 505 may also be included to allow a user to use voice forinputting information by converting audio signals. Audio I/O component505 may allow the user to hear audio. A transceiver or network interface506 transmits and receives signals between computer system 500 and otherdevices, such as another communication device, service device, or aservice provider server via network 150. In one embodiment, thetransmission is wireless, although other transmission mediums andmethods may also be suitable. One or more processors 512, which can be amicro-controller, digital signal processor (DSP), or other processingcomponent, processes these various signals, such as for display oncomputer system 500 or transmission to other devices via a communicationlink 518. Processor(s) 512 may also control transmission of information,such as cookies or IP addresses, to other devices.

Components of computer system 500 also include a system memory component514 (e.g., RAM), a static storage component 516 (e.g., ROM), and/or adisk drive 517. Computer system 500 performs specific operations byprocessor(s) 512 and other components by executing one or more sequencesof instructions contained in system memory component 514. Logic may beencoded in a computer readable medium, which may refer to any mediumthat participates in providing instructions to processor(s) 512 forexecution. Such a medium may take many forms, including but not limitedto, non-volatile media, volatile media, and transmission media. Invarious embodiments, non-volatile media includes optical or magneticdisks, volatile media includes dynamic memory, such as system memorycomponent 514, and transmission media includes coaxial cables, copperwire, and fiber optics, including wires that comprise bus 502. In oneembodiment, the logic is encoded in non-transitory computer readablemedium. In one example, transmission media may take the form of acousticor light waves, such as those generated during radio wave, optical, andinfrared data communications.

Some common forms of computer readable media includes, for example,floppy disk, flexible disk, hard disk, magnetic tape, any other magneticmedium, CD-ROM, any other optical medium, punch cards, paper tape, anyother physical medium with patterns of holes, RAM, PROM, EEPROM,FLASH-EEPROM, any other memory chip or cartridge, or any other mediumfrom which a computer is adapted to read.

In various embodiments of the present disclosure, execution ofinstruction sequences to practice the present disclosure may beperformed by computer system 500. In various other embodiments of thepresent disclosure, a plurality of computer systems 500 coupled bycommunication link 518 to the network (e.g., such as a LAN, WLAN, PTSN,and/or various other wired or wireless networks, includingtelecommunications, mobile, and cellular phone networks) may performinstruction sequences to practice the present disclosure in coordinationwith one another.

Where applicable, various embodiments provided by the present disclosuremay be implemented using hardware, software, or combinations of hardwareand software. Also, where applicable, the various hardware componentsand/or software components set forth herein may be combined intocomposite components comprising software, hardware, and/or both withoutdeparting from the spirit of the present disclosure. Where applicable,the various hardware components and/or software components set forthherein may be separated into sub-components comprising software,hardware, or both without departing from the scope of the presentdisclosure. In addition, where applicable, it is contemplated thatsoftware components may be implemented as hardware components andvice-versa.

Software, in accordance with the present disclosure, such as programcode and/or data, may be stored on one or more computer readablemediums. It is also contemplated that software identified herein may beimplemented using one or more general purpose or specific purposecomputers and/or computer systems, networked and/or otherwise. Whereapplicable, the ordering of various steps described herein may bechanged, combined into composite steps, and/or separated into sub-stepsto provide features described herein.

The foregoing disclosure is not intended to limit the present disclosureto the precise forms or particular fields of use disclosed. As such, itis contemplated that various alternate embodiments and/or modificationsto the present disclosure, whether explicitly described or impliedherein, are possible in light of the disclosure. Having thus describedembodiments of the present disclosure, persons of ordinary skill in theart will recognize that changes may be made in form and detail withoutdeparting from the scope of the present disclosure. Thus, the presentdisclosure is limited only by the claims.

What is claimed is:
 1. A service provider system comprising: a networkinterface component configured to communicate with a first communicationdevice of a first user, wherein the network interface component isfurther configured to track device operational data for the firstcommunication device; a non-transitory memory storing account data for aplurality of accounts including a first account, wherein the accountdata for the first account includes a non-operational device mode foruse with the first account; and one or more hardware processorsconfigured to execute instructions to cause the service provider systemto perform operations comprising: receiving a signal associated with aninoperable condition of the first communication device; determining thedevice operational data for the first communication device based onreceiving the signal, wherein the device operational data comprises theinoperable condition and a first identifier associated with the firstaccount; determining, using the first identifier, the first accountassociated with the first communication device; automatically triggeringthe non-operational device mode for the first account based on theinoperable condition; receiving, from the first communication device,transaction data corresponding to a transaction using the first accountof the first user; in response to receiving the transaction data fromthe first communication device, determining a transaction amount for thetransaction using a partial amount of the transaction data, wherein thepartial amount is included in the transaction data; and establishing adigital ledger comprising the transaction amount based on thenon-operational device mode, wherein the transaction amount is added tothe digital ledger using the first account.
 2. The service providersystem of claim 1, wherein the transaction data comprises a secondidentifier for a second communication device of a second user, andwherein the operations further comprise: communicating, to the secondcommunication device, a notification of the transaction amount availableto the second user in the digital ledger; and in response to receiving arequest to withdraw the transaction amount from the digital ledger anddeposit the transaction amount to a second account of the second user,transferring the transaction amount to the second account.
 3. Theservice provider system of claim 2, wherein prior to transferring thetransaction amount to the second account, the operations furthercomprise: requesting an authentication credential for the second userfrom the second communication device; and authenticating the second userbased on a received input for the authentication credential, wherein thetransaction amount is transferred based on the authenticating.
 4. Theservice provider system of claim 2, wherein the transaction data furthercomprises a first geo-location of the first communication device, andwherein the establishing the digital ledger further comprises:determining a second geo-location of the second communication device;and determining that the second geo-location is within a first proximityrange of the first geo-location associated with a risk assessmentfactor, wherein the digital ledger is established with the transactionamount based on the determining that the second geo-location is withinthe first proximity range of the first geo-location.
 5. The serviceprovider system of claim 2, wherein the transaction data furthercomprises at least one of a face identification, a fingerprint, anaccount authentication credential, a transaction geo-location, or atransaction time.
 6. The service provider system of claim 2, whereinprior to determining the transaction amount, the operations furthercomprise: executing a risk assessment process on the transaction data,wherein the risk assessment processes determines whether the transactiondata indicates potential fraud in use of the digital ledger; and cachingthe transaction data based on the executing the risk assessment process.7. The service provider system of claim 6, wherein the risk assessmentprocess uses at least one of available funds in the first account, apast transaction by the first account, a geo-location of the firstcommunication device, a time of the inoperable condition, or a socialconnection between the first user and the second user when determiningwhether the transaction data indicates potential fraud in use of thedigital ledger.
 8. The service provider system of claim 2, wherein theoperations further comprise: requesting an authentication credential ofthe first user through the second communication device, wherein thedigital ledger is established in response to receiving theauthentication credential and authenticating the first user.
 9. Theservice provider system of claim 1, wherein prior to establishing thedigital ledger, the operations further comprise: determining that thefirst communication device is not operational based on communicationswith the first communication device, wherein the digital ledger isestablished in response to the determining that the first communicationdevice is not operational.
 10. The service provider system of claim 9,wherein the determining that the first communication device is notoperational based on the communications comprises one of receiving afirst communication that the first communication device will not beoperational that is communicated prior to the first communication devicebecoming non-operational or determining that the first communicationdevice is not responsive to the communications through a secondcommunication transmitted to the first communication device.
 11. Theservice provider system of claim 1, wherein the transaction amount isvalid for withdrawal from the digital ledger by a second user for aperiod of time, and wherein the operations further comprise: in responseto expiration of the period of time, reverting a remaining amount of thetransaction amount to the first account from the digital ledger.
 12. Amethod comprising: receiving, via a network interface componentconfigured to communicate with a first communication device of a firstuser, wherein the network interface component is further configured totrack device operational data for the first communication device, asignal associated with an inoperable condition of the firstcommunication device; determining the device operational data for thefirst communication device based on receiving the signal, wherein thedevice operational data comprises the inoperable condition and a firstidentifier associated with a first account; determining, using the firstidentifier, the first account associated with the first communicationdevice based on account data for a plurality of accounts including thefirst account, wherein the account data for the first account includes anon-operational device mode for use with the first account;automatically triggering the non-operational device mode for the firstaccount based on the inoperable condition; receiving, from the firstcommunication device, transaction data corresponding to a transactionusing the first account of the first user; in response to receiving thetransaction data from the first communication device, determining atransaction amount for the transaction using a partial amount of thetransaction data, wherein the partial amount is included in thetransaction data; and establishing a digital ledger comprising thetransaction amount based on the non-operational device mode, wherein thetransaction amount is added to the digital ledger using the firstaccount.
 13. The method of claim 12, wherein the determining the deviceoperational data comprising the inoperable condition comprises anindication that the first communication device will shut down based onan operation of the first communication device.
 14. The method of claim13, wherein the determining the device operational data comprising theinoperable condition comprises an indication that the firstcommunication device will lose battery power at one of a time or anamount of battery power.
 15. The method of claim 13, wherein thedetermining the device operational data comprising the inoperablecondition comprises an indication that the first communication device isunresponsive based on a network communication transmitted to the firstcommunication device.
 16. The method of claim 13, further comprising:receiving a login request to the first account through a secondcommunication device; and in response to receiving a cancellationrequest of the digital ledger, providing the transaction amount back tothe first account.
 17. The method of claim 16, further comprising:accessing contacts of the first user; and determining that the secondcommunication device is a known contact of the first user using thecontacts, wherein the providing the transaction amount back to the firstaccount is in response to the determining that the second communicationdevice is the known contact.